Waiting Period in Health Insurance

Product Initial WP Specified Disease Pre Existing Disease Bariartic Surgery Maternity benefits Mental Illness cover HIV/AIDS related disease CI Addon cover
Initial Waiting Period Suvival Waiting Period
Prohealth Prime-Protect & Advantage 30 days 24 months For SI upto 5 lac: 36 months
For SI above 7.5 lac:24 months		 36 months 36 months No waiting period
for selected ICD codes, there is  24 months waiting period		 No waiting period 90 days 30 days
Prohealth Prime-Active 30 days 24 months 90 days for Asthma, Diabetes, Hypertension, Dyslipidaemia and Obesity related conditions For all other conditions - 24 months NA NA Waiting period of 24 month in case of selected ICD codes No waiting period NA  
Lifetime plan 30 days 24 months 24 months 24 months NA No waiting period No waiting period 90 days 30 days
Prohealth -Protect 30 days 24 months 48 months NA NA NA No waiting period 90 days 30 days
Prohealth-Accumulate 30 days 24 months 36 months NA NA NA No waiting period 90 days 30 days
Prohealth-plus 30 days 24 months 36 months NA 48 months
24 months^		 NA No waiting period 90 days 30 days
Prohealth-Preffered 30 days 24 months 24 months NA 48 months
24 months^		 NA No waiting period 90 days 30 days
Prohealth-Premier 30 days 24 months 24 months NA 48 months
24 months^		 NA No waiting period NA NA
Super Top Up 30 days 24 months 48 months
24 months^		 NA NA NA 24 months 90 days 30 days
Prohealth Cash 30 days 24 months on cataract,stones,arthritis  48 months NA NA No waiting period NA 90 days 30 days
Prohealth Select 30 days 24 months 48 months NA NA No waiting period NA 90 days NA
Critical Care
1. Initial Waiting Period
2. Survival Waiting Period
90 days
30 days
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA		    
NA: Not Available
24 months^: if reduction of maternity waiting period is opted